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Northfield Federal Savings, Income and Expense

1999-12-31 (YTD Data)Rank
Total interest income$3,486,0006,842
Total interest expense$1,935,0006,111
Net interest income$1,551,0007,488
Provision for loan and lease losses$08,503
Total noninterest income$54,0009,529
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0173
Additional Noninterest Income$54,0007,918
Total noninterest expense$1,016,0008,078
Salaries and employee benefits$539,0008,106
Premises and equipment expense$293,0005,535
Additional noninterest expense$184,0009,196
Pre-tax net operating income$589,0006,751
Securities gains (losses)$15,0001,536
Applicable income taxes$242,0005,293
Income before extraordinary items$362,0007,215
Extraordinary gains, net$035
Net income$362,0007,216
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$15,0006,444
Cash dividends$07,131
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$352,4007,245
1998-12-31 (YTD Data)Rank
Total interest income$3,037,0007,494
Total interest expense$1,751,0006,657
Net interest income$1,286,0008,156
Provision for loan and lease losses$08,652
Total noninterest income$51,0009,833
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0224
Additional Noninterest Income$51,0008,120
Total noninterest expense$840,0008,633
Salaries and employee benefits$431,0008,769
Premises and equipment expense$238,0006,142
Additional noninterest expense$171,0009,448
Pre-tax net operating income$497,0007,381
Securities gains (losses)$-12,00010,213
Applicable income taxes$183,0006,381
Income before extraordinary items$302,0007,870
Extraordinary gains, net$032
Net income$302,0007,868
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$18,0006,450
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$2,211,000372
Net operating income$309,6807,729
1997-12-31 (YTD Data)Rank
Total interest income$2,625,0008,219
Total interest expense$1,492,0007,364
Net interest income$1,133,0008,860
Provision for loan and lease losses$125,0004,524
Total noninterest income$61,00010,085
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0239
Additional Noninterest Income$61,0007,985
Total noninterest expense$795,0009,053
Salaries and employee benefits$501,0008,598
Premises and equipment expense$196,0006,924
Additional noninterest expense$98,00010,549
Pre-tax net operating income$274,0009,153
Securities gains (losses)$-20,00010,368
Applicable income taxes$101,0008,381
Income before extraordinary items$153,0009,551
Extraordinary gains, net$044
Net income$153,0009,554
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$8,0007,548
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$165,8009,401
1996-12-31 (YTD Data)Rank
Total interest income$2,464,0008,734
Total interest expense$1,398,0007,833
Net interest income$1,066,0009,372
Provision for loan and lease losses$9,0008,632
Total noninterest income$51,00010,833
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0262
Additional Noninterest Income$51,0008,849
Total noninterest expense$867,0009,177
Salaries and employee benefits$356,0009,918
Premises and equipment expense$184,0007,341
Additional noninterest expense$327,0008,600
Pre-tax net operating income$241,0009,543
Securities gains (losses)$04,148
Applicable income taxes$71,0009,311
Income before extraordinary items$170,0009,600
Extraordinary gains, net$053
Net income$170,0009,601
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,805
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$170,0009,539
1995-12-31 (YTD Data)Rank
Total interest income$2,416,0009,097
Total interest expense$1,352,0008,110
Net interest income$1,064,0009,734
Provision for loan and lease losses$18,0007,795
Total noninterest income$52,00011,315
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0522
Additional Noninterest Income$52,0009,130
Total noninterest expense$673,00010,286
Salaries and employee benefits$346,00010,368
Premises and equipment expense$175,0007,710
Additional noninterest expense$152,00011,031
Pre-tax net operating income$425,0008,903
Securities gains (losses)$03,831
Applicable income taxes$143,0008,394
Income before extraordinary items$282,0009,111
Extraordinary gains, net$-4,00011,914
Net income$278,0009,162
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,856
Cash dividends$08,717
Sale, conversion, retirement of capital stock, netNANA
Net operating income$282,0009,088
1994-12-31 (YTD Data)Rank
Total interest income$2,168,0009,487
Total interest expense$1,095,0008,305
Net interest income$1,073,00010,166
Provision for loan and lease losses$81,0005,013
Total noninterest income$75,00011,378
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0475
Additional Noninterest Income$75,0008,448
Total noninterest expense$685,00010,767
Salaries and employee benefits$349,00010,755
Premises and equipment expense$207,0007,274
Additional noninterest expense$129,00012,038
Pre-tax net operating income$382,0009,500
Securities gains (losses)$-2,0009,023
Applicable income taxes$150,0008,297
Income before extraordinary items$230,0009,926
Extraordinary gains, net$-5,00012,493
Net income$225,0009,988
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,921
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$231,2809,977
1993-12-31 (YTD Data)Rank
Total interest income$2,357,0009,457
Total interest expense$1,142,0008,511
Net interest income$1,215,00010,022
Provision for loan and lease losses$9,0009,850
Total noninterest income$68,00012,120
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0532
Additional Noninterest Income$68,0009,182
Total noninterest expense$637,00011,450
Salaries and employee benefits$322,00011,426
Premises and equipment expense$196,0007,757
Additional noninterest expense$119,00012,770
Pre-tax net operating income$637,0007,706
Securities gains (losses)$07,477
Applicable income taxes$264,0006,577
Income before extraordinary items$373,0008,708
Extraordinary gains, net$03,149
Net income$373,0008,858
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$09,922
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$373,0008,448
1992-12-31 (YTD Data)Rank
Total interest income$2,475,0009,963
Total interest expense$1,446,0008,679
Net interest income$1,029,00010,989
Provision for loan and lease losses$011,756
Total noninterest income$71,00012,535
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0504
Additional Noninterest Income$71,0009,237
Total noninterest expense$596,00012,087
Salaries and employee benefits$274,00012,317
Premises and equipment expense$195,0007,943
Additional noninterest expense$127,00013,245
Pre-tax net operating income$504,0008,384
Securities gains (losses)$08,369
Applicable income taxes$201,0007,542
Income before extraordinary items$303,0009,276
Extraordinary gains, net$01,422
Net income$303,0009,410
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$011,197
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$303,0008,900

* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.